• Home
  • Retirement calculator

Managing your cash in retirement

Use our managing your cash in retirement calculator

Use our calculator below to assess how long you might be able to drawdown a fixed monthly amount from your investment before your savings have been fully utilised.

Use our calculator

Enter your investment amount, and how much you would like to drawdown monthly from your investment. Enter the pre-tax rate of return* you expect First Mortgage Trust to be paying during the next year.  Add the anticipated inflation rate,  your anticipated tax rate and the calculator will provide you a table showing you how many years it will take to utilise your investment.

*This rate will vary according to market conditions. Past performance is not a reliable indicator of future performance, returns are not guaranteed.

*Will vary due to market conditions

Anticipated inflation e.g CPI increase

Enter the required details to calculate how long your initial investment will last
Your investment will last

Get in touch Download PDF




Closing Balance

Load more

These are indicative results only based on the information you provide. Future returns and inflation will change over time, and the differences could be significant. We recommend you speak to a financial adviser before making any decisions about investing.

To learn more

Want to set up a Managing Your Cash in Retirement facility?

To get started, download and complete the Managing Your Cash in Retirement brochure. If you aren’t already a client you will need to download a Product Disclosure Statement and complete the application form in the back of the document.

We know that our personal approach is important to our clients, our team is available over phone or through email.

Contact our team to learn more Download the Managing your Cash in Retirement brochure

Download FMT Lending Pack

    Download FMT Investor Pack

      Request Physical FMT Investor Pack

        Request a Call-back

          Request a Call-back

            Youth Sponsorship Application

              Which type of fund is right for me?

              Complete this questionnaire to see what type of fund might be the most tax effective for your circumstances. Please note, this is just a guide and we recommend you seek professional tax advice.

              Are you investing as an individual or trust?
              Other investor types should seek professional tax advice.


              Is your tax return completed by a tax adviser or accountant?

              Can you reasonably estimate your own annual income?

              What is your total income from all sources (including PIE income)?

              YOUR RESULTS

              Contact Us



              Do you distribute all annual income to beneficiaries?

              Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

              YOUR RESULTS

              Contact Us

              Disclaimer – This tool is intended to provide general guidance only. This tool does not take into account your particular financial situation, objectives or goals.

              There are alternative strategies which may provide better outcomes, we recommend you seek independent advice before making any investment decision. If you have completed this guide and wish to discuss this, we recommend you seek professional tax advice.